ʻO nā ʻano moraki ma ka US
E koho i kahi huahana e nānā i ka ʻike koʻikoʻi, nā uku, nā manaʻo, a me ka ʻike APR, no ka mea, hiki i kekahi mau uku ke komo a hiki i ka 1 kumu kūʻai ma ke ʻano he kumu kūʻai mua no ka poʻe ʻaiʻē. Hoʻokumu ʻia nā kumukūʻai refinancing ma ke kālā ʻole e uku. E ʻoluʻolu e hāʻawi mākou i nā koho hōʻaiʻē home ʻaʻole i hōʻike ʻia ma aneʻi.
ʻO ke kumukūʻai o ka hōʻaiʻē i hōʻike ʻia ma ke ʻano he pākēneka makahiki. No nā hōʻaiʻē moraki, me ka ʻole o nā laina ʻaiʻē home equity, loaʻa ka uku paneʻe me nā uku a i ʻole nā komisina. I ka hihia o nā laina kaulike o ka home, ʻo ka APR wale nō ka uku pānaʻi.
pakuhi uku panee
Me ka piʻi ʻana o ka wānana Fed ma hope o kēlā me kēia o kāna mau hālāwai i koe, ʻo ka hapa nui o nā mea hōʻailona e kuhikuhi ana i ka piʻi ʻana o ka uku paneʻe i ka 2022. Eia naʻe, ʻo ka kānalua o ka hoʻokele waiwai e hoʻopiʻi i ka volatility i kēlā me kēia pule.
"Me ka nui o ka kānalua i ka nānā ʻana i ka hoʻokele waiwai, e hoʻomau ʻia ka piʻi ʻana o ka moraki i ka mahina e hiki mai ana, ʻoiai inā hoʻomau ka ʻōlelo a ka Fed e pili ana i ka hoʻihoʻi ʻana i ke kūpaʻa kumukūʻai." -Selma Hepp, Hope Luna Hoʻokele waiwai o CoreLogic
"ʻO ka hoʻonui kālā a me ka hoʻopaʻa ʻana i ke kulekele Federal Reserve nā kumu nui e hoʻonui ai i ka uku moraki i kēia lā. I kēia manawa, hōʻike ka ʻikepili i ka piʻi ʻana o ka hoʻonui i nā mahina e hiki mai ana. No laila, pono ka Federal Reserve e hoʻonui i ka nui o ka piʻi ʻana e hoʻohaʻahaʻa i ka hoʻonui ʻana i kāna pahuhopu 2%.
ʻElima mau piʻi hoʻonui hou aku paha i kēia makahiki. Eia kekahi, e hoʻomaka ana ka Federal Reserve e hōʻemi i ka nui o kāna waihona i Iune. ʻO ia ke ʻano o ka Fed e hōʻemi i kāna mau paʻa paʻa ma o ka hoʻonui ʻana i ka lako o nā Waihona US ma ka mākeke. Manaʻo ʻia kēia hoʻolālā e hoʻonui i ka loaʻa kālā o ka Waihona a me nā kumukūʻai moraki i ka hapa ʻelua o 2022. No laila, ke manaʻo nei au i ka 30-makahiki moraki paʻa i ka awelika 5,5% ma waena o 2022.
30 makahiki ka uku moraki
ʻO ka nui a i ʻole nā haʻawina āpau ma kēia pūnaewele mai nā hui i uku ʻia ai nā Insiders (no ka papa inoa piha, ʻike maanei). Hiki i nā manaʻo hoʻolaha ke hoʻololi i ke ʻano a me kahi e ʻike ʻia ai nā huahana ma kēia pūnaewele (me ka laʻana, ke ʻano o ka ʻike ʻia ʻana), akā ʻaʻole pili i nā hoʻoholo hoʻoponopono, e like me nā huahana a mākou e kākau ai a pehea mākou e loiloi ai. Ke noiʻi nei ʻo Personal Finance Insider i kahi ākea o nā makana i ka wā e hana ai i nā ʻōlelo paipai; akā naʻe, ʻaʻole mākou e hōʻoiaʻiʻo e hōʻike ana ia ʻike i nā huahana āpau a i ʻole nā haʻawi i loaʻa ma ka mākeke.
ʻO ka awelika ukupanee ma ka moraki paʻa 30-makahiki kaulana loa he 4,31%, e like me ka ʻikepili mai ka S&P Global. Ke loli mau nei nā kumukūʻai moraki, a he nui nā kumu e hiki ke hoʻololi i kāu uku uku. ʻOiai ʻo kekahi o lākou he mau mea pilikino āu e hoʻomalu ai, a ʻo nā mea ʻē aʻe ʻaʻole ʻoe, he mea nui e ʻike i ke ʻano o kāu uku paneʻe i ka wā e hoʻomaka ai i ke kaʻina o ka loaʻa ʻana o kahi hōʻaiʻē moraki.
He aha nā kumukūʻai moraki i kēia manawa? ʻOiai e loli ana nā kumukūʻai moraki i kēlā me kēia lā, ʻo 2020 a me 2021 nā makahiki o ka haʻahaʻa haʻahaʻa no ka moraki a me ka hoʻihoʻi hou ʻana i ka uku paneʻe ma waena o ʻAmelika. ka uku panee a ka mea hāʻawi kālā e hāʻawi iā ʻoe. ʻOkoʻa nā kumukūʻai moraki e ka mea hōʻaiʻē, ma muli o nā kumu e like me kāu hōʻaiʻē, ke ʻano o ka hōʻaiʻē, a
30 makahiki paʻa moraki freddie mac
ʻO ka helu waena ma kahi moraki paʻa 30-makahiki he 5,47%, e like me Bankrate.com, aʻo ka median rate ma kahi moraki 15-makahiki he 4,79%. Ma kahi moraki jumbo makahiki 30, he 5,34% ka uku waena, a he 5% ka uku waena ma kahi 1/3,87 ARM.
ʻO ka awelika o ka huina kālā ma kahi moraki jumbo makahiki 30 he 5,34%. ʻO ka pule i hala aku nei, he 5,38%. ʻO ka uku pānaʻi paʻa 30-makahiki ma kahi moraki jumbo i kēia manawa ma luna o ka haʻahaʻa haʻahaʻa 52-wiki o 3,03%.
Inā ʻaʻole hiki iā ʻoe a ʻaʻole makemake paha e uku i ke kālā, ʻo nā mea hōʻaiʻē moraki a me nā moraki e lilo i ʻāpana o kāu kaʻina kūʻai home. He mea nui e koho i ka mea āu e uku ai i kēlā me kēia mahina e ʻike inā kūpono ia i kāu kālā.
No ka ʻae ʻia ʻana o ka moraki, e hoʻomaka me ka ʻohi ʻana i kāu mau palapala. Pono ʻoe i kāu kāleka Social Security, nā palapala W-2, nā stubs uku, nā ʻōlelo panakō, nā hoʻihoʻi ʻauhau, a me nā palapala ʻē aʻe e koi ai ka mea hāʻawi.
